Search and Compare Home Loans and Secured Loans UK for Best Rates, Quotes and Deals

UK Comparisons of the Best Home Loans and Secured Loans.

There are times when you are short of money and need a loan for some urgent expense.

A secured home loan may be a good option to:

  • Do Some Home Improvements
  • Build An Extension
  • Take the Holiday Of A Lifetime
  • As A Deposit or To Fund Buying An Investment Property To Let
  • Help Your Grown Up Children By Providing Them With A Home Purchase Deposit
  • Buy A New Car
  • Actually, You Can Borrow Money For Any Legal Reason That You Need It…
  • Low Rate Secured Loans can be available even if you have a less than perfect credit rating – There are Adverse Credit Loans available from specialist lenders that will allow for historic missed or late payments on secured or unsecured credit, CCJs, IVA and even in some situations for discharged bankrupts.

Go Ahead, Use the home loans comparisons table below to compare loans and then click on “Enquire” to Apply for Quotes for the best home loan deals that are on offer today. The loans detailed below are examples of what may be available, but acceptance is subject to status.

Loan amount of £
Over year(s)
Lender APRi Loan
Typei
Loan
Amounti
Loan
Periodi
Monthly
Repaymenti
Total
Repayablei
Enquire

Paragon Personal Finance Standard Secured Loan
5.41% Homeowner Loans £3000 Over 3 year(s) £90.47 £3256.92 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 5.41% APR (fixed), monthly repayments of £90.47 total amount payable is £3256.92.

Prestige Finance Platinum Secured Loan
4.45% Homeowner Loans £3000 Over 3 year(s) £89.17 £3210.12 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 4.45% APR (fixed), monthly repayments of £89.17 total amount payable is £3210.12.

Evolution Money Adverse Secured Loan
26.8% Adverse Finance Homeowner Loans £3000 Over 3 year(s) £122.15 £4397.4 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 26.8% APR (fixed), monthly repayments of £122.15 total amount payable is £4397.4.

Spring Finance Heavy Adverse Secured Loan
13.92% Adverse Finance Homeowner Loans £3000 Over 3 year(s) £102.42 £3687.12 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 13.92% APR (fixed), monthly repayments of £102.42 total amount payable is £3687.12.

Equifinance Adverse Secured Loan
13.8% Adverse Finance Homeowner Loans £3000 Over 3 year(s) £102.24 £3680.64 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 13.8% APR (fixed), monthly repayments of £102.24 total amount payable is £3680.64.

Norton Finance Gold
4.6% Homeowner loan £3000 Over 3 year(s) £89.37 £3217.32 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 4.6% APR (fixed), monthly repayments of £89.37 total amount payable is £3217.32.

The Loans Engine
9.3% Homeowner loan £3000 Over 3 year(s) £95.82 £3449.52 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 9.3% APR (fixed), monthly repayments of £95.82 total amount payable is £3449.52.

Prestige
14.2% Homeowner loan £3000 Over 3 year(s) £102.82 £3701.52 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 14.2% APR (fixed), monthly repayments of £102.82 total amount payable is £3701.52.

Central Trust
10.7% Homeowner loan £3000 Over 3 year(s) £97.79 £3520.44 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 10.7% APR (fixed), monthly repayments of £97.79 total amount payable is £3520.44.

Together
17.8% Homeowner loan £3000 Over 3 year(s) £108.16 £3893.76 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 17.8% APR (fixed), monthly repayments of £108.16 total amount payable is £3893.76.

Shawbrook Bank Secured Loans
4.49% Homeowner loan £3000 Over 3 year(s) £89.23 £3212.28 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 4.49% APR (fixed), monthly repayments of £89.23 total amount payable is £3212.28.

Norton Finance
4.8% Homeowner loan £3000 Over 3 year(s) £89.64 £3227.04 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 4.8% APR (fixed), monthly repayments of £89.64 total amount payable is £3227.04.

Masthaven Secured Loans
7.15% Homeowner loan £3000 Over 3 year(s) £92.84 £3342.24 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 7.15% APR (fixed), monthly repayments of £92.84 total amount payable is £3342.24.

1st Stop Home Loans
30.4% Homeowner loan £3000 Over 3 year(s) £128.01 £4608.36 Enquire
Representative example: Assuming borrowing of £3000 over 3 year(s), representative 30.4% APR (fixed), monthly repayments of £128.01 total amount payable is £4608.36.

Search and Compare Home Loans and Secured Loans UK for Best Rates, Quotes and Deals

There are times when you are short of money and need a loan for some urgent expense. A secured home loan may be a good option.

Reasons for a Secured Homeowner Loan?

Secured home loans often offer good interest rates and flexible repayment options.

You can use the money from cheap home loans for home improvements or for a major purchase. Another way to use the loans are to consolidate debt. The last few years have been tough for the British consumer and it’s possible that you may have run up too much debt. A secured homeloan may be an option that you can consider to consolidate debt into one lower monthly payment, but you need to be aware that this debt will be secured upon your property and should you default on a loan secured on your home, then your home can be at risk of repossession.

Prepare Yourself For the Loan Application

First, review what you intend to use your cheap secured loans for, and how much they will cost you every month. Then, evaluate your total monthly income and expenses to see what repayments you can afford. Make sure you have money left over for unexpected expenses and carefully calculate your true monthly expenses.

If you are not sure how, or are concerned about the level of your debt, consider debt counselling where you can get professional advice on how to manage your debt repayment.

It is also a good idea to establish your credit rating. This will have a significant impact on the interest rate you will be offered and how much money you can borrow. Free credit reports can be obtained through Money Matchmaker’s website.

Find Out Alternatives

Once you understand what you can afford to borrow, you can now compare home loans. Rather than visiting local banks looking for cheap secured loans, use a loan comparison website such as Moneymatchmaker to compare secured loans from a number of different institutions.

Your credit rating and the equity in your home will affect the interest rate that you will be offered, so compare secured loans by obtaining and analysing quotations from the companies that interest you using the quotation option within our secured loans comparisons tool.

Get Advice

Now that you understand your alternatives and can compare secured loans, it is recommended that you seek advice regarding your decision from an authorised financial advisor. The reason for this is that you will be using your home as security for what could be a large loan and there is a risk of losing your property if you default on the repayments or lose your job.

The advisor will assess your financial situation, discuss how much you can afford to borrow, what your repayment options are and compare home loans.

Like What You Find – Take the Loan and Apply Online

The preparation may have taken some time, but you undertaken a compare home loans exercise, assessed what you can afford, and reviewed how much money you are going to apply for, you are now ready to apply for your loan.

Obtain several final comparative quotations by connecting with an authorised loans advisor through Money Matchmaker’s website, compare cheap home-loans and apply.

As you have covered all the bases by checking your credit rating, taking professional advice, and verifying that you can afford one of the home loans that is on offer, you can proceed with the process of being approved for your loan. Soon you maybe able to go ahead with the renovations or special purchase you have planned, or, if the loan was for debt consolidation, to settle your debt, you could soon find that the consolidation plan provides the relief that you need to find your monthly outgoings more affordable.

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